, like iran, sudan, and libya or syria, is very clear. >> tom: so do these kinds of settlements make the money laundering business that much more unpalatable for public companies, like these big global banks? in other words, is it going to deter future dealings? >> the cynic in me says they may face pressure from shareholders to produce profits, and these are very profitable lines of business because they may involve some risks to individuals, so until people really pay attention, and the government shows how serious it is about enforcing its laws, i don't think we can conclude that this is over. >> tom: among those people, shareholders, but also costumers. what do you think these kinds of business practices say about the global banking business. >> i think we have giant costumers and small costumers. and most of the people involved at this level are giant costumers. they are states and american businesses and banks are not supposed to do business with. the europeans have similar attitudes about this. they are large corporations, and also some smaller companies that may or may not kn